Saturday 17 October 2026 Export BCOW’s income statement to Excel — free account

1895 Bancorp of Wisconsin Inc.

1895 Bancorp of Wisconsin Inc.’s revenue for fiscal 2025 (year ended December 2025) was $31.0 million, up 11.4% from fiscal 2024. In the quarter to June 2026, revenue grew 1.53%, EPS fell 200.0%, free cash flow grew 993.8% and total debt fell 10.6%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

18.48 0.03 +0.16%

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Market cap: $57.9M
P/E: 88.0×
Fwd P/E: −333×
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 57.91

Revenue 31.46

Net Income 1.42

Free Cash Flow 4.53

Net Debt 56.49

Current Ratio 1.13

Debt/Equity 1.41

P/E ratio 88.00

Fwd P/E (333.00)

P/S ratio 2.99

P/B ratio 1.31

Past 5Y EPS Growth 4.89%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (4.48%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 80.31%

10-year low 10-year high

P/S against its own 10 years 74.92%

10-year low 10-year high

P/B against its own 10 years 100.00%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2020	Powerpack
2019	Powerpack
2018	Powerpack
2016	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	13	9	21	45
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	410	425	463	461

	2023	2024	2025	Q'26
Payables	404	398	402	396
ST’ Debt	—	—	—	—
Other	—	—	—	—
	406	401	405	407

Compound Annual Growth %

	10y	5y	3y
Sales	—	6.83%	19.47%
Cash Flow	—	26.02%	15.90%
Earnings	—	1.52%	0.00%
Book Value	—	3.68%	(1.55%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	7	8	—	—	—
’25	7	8	8	8	31
’24	7	7	7	7	28
’23	5	6	4	4	19
’22	4	4	5	5	18
’21	5	5	4	5	19
’20	4	5	7	6	22

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	4	4
’24	0	(1)	2	0	1
’23	(1)	0	1	0	(1)
’22	0	1	1	1	3
’21	(1)	2	10	(8)	3
’20	(1)	(3)	2	4	1

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	4	4
’24	0	(1)	2	0	0
’23	(1)	0	1	0	(1)
’22	(1)	1	1	1	2
’21	(1)	2	10	(8)	3
’20	(1)	(3)	2	4	1

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.07	(0.08)	—	—	—
’25	(0.03)	0.08	0.09	0.13	0.27
’24	(0.06)	(0.09)	(0.03)	0.02	(0.16)
’23	(0.07)	(0.09)	(0.66)	(0.42)	(1.23)
’22	(0.01)	(0.04)	0.02	0.00	(0.03)
’21	0.08	(0.01)	(0.02)	(0.05)	0.01
’20	0.05	0.04	0.07	0.10	0.21

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	8.66	7.43	9.28	9.71	6.00	6.69	8.67	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	10.85	12.01	16.65	11.75	10.10	10.45	11.39
People
People	Employees	—	111	124	104	100	102	93	79	—	—
	Revenue/emp, $m	0.00	0.16	0.16	0.20	0.22	0.18	0.20	0.25	0.00	0.00
Income, $m
Income, $m	Revenue	18	18	20	20	22	19	18	19	28	31
	Gross margin, %	85.04	81.48	78.50	75.79	86.35	91.70	89.05	56.15	57.13	60.21
	EBT	1	(2)	0	0	3	0	0	(6)	(1)	2
	EBT margin, %	6.99	(9.93)	(1.00)	2.16	13.71	0.11	(1.76)	(32.87)	(5.12)	5.24
	Net income	1	2	0	0	1	0	0	(7)	(1)	1
	Depreciation	1	1	1	1	1	1	1	1	1	0
Per share, $
Per share, $	Revenue	2.80	2.83	0.00	3.29	4.80	3.09	3.15	3.52	5.11	6.05
	Earnings	0.20	0.26	0.00	0.07	0.28	0.01	(0.03)	(1.23)	(0.16)	0.28
	Cash flow	0.26	0.05	0.00	0.15	0.27	0.46	0.45	(0.13)	0.10	0.78
	Capex	0.00	(0.08)	0.00	0.06	(0.06)	(0.04)	(0.03)	(0.02)	(0.03)	(0.05)
	Free cash flow	0.27	(0.03)	0.00	0.21	0.21	0.42	0.42	(0.15)	0.07	0.73
	Book value	5.82	6.07	0.00	9.47	12.93	15.18	13.05	13.15	13.06	14.03
	Shares, m	6	6	0	6	5	6	6	6	5	5
Valuation, ×
Valuation, ×	P/E	16.00	16.00	16.00	152.69	35.21	328.06	0.00	0.00	0.00	41.48
	P/S	0.00	0.00	0.00	3.28	2.08	3.56	3.21	1.99	1.96	1.85
	P/B	0.00	0.00	0.00	1.14	0.77	0.72	0.77	0.53	0.77	0.80
	EV/Sales	1.12	1.12	1.12	3.57	0.99	2.94	5.58	4.95	4.95	4.80
	EV/FCF	(11.81)	(11.81)	(11.81)	55.21	22.61	21.48	42.28	(117.39)	387.80	32.88
Cash, $m
Cash, $m	Operating cash flow	2	0	(1)	1	1	3	3	(1)	1	4
	Capex	0	(1)	(1)	0	0	0	0	0	0	0
	Free cash flow	2	0	(2)	1	1	3	2	(1)	0	4
Balance, $m
Balance, $m	Working capital	(39)	(45)	(28)	(23)	42	6	0	4	24	57
	Total debt	48	35	30	18	68	55	71	71	92	112
	Net debt	40	22	22	6	(24)	(11)	43	58	83	91
	Shareholders’ equity	37	39	38	59	60	91	75	73	71	72
Returns, %
Returns, %	ROA	0.27	0.36	0.00	0.10	0.28	0.02	(0.03)	(1.23)	(0.16)	0.24
	ROIC	1.01	(0.72)	(0.20)	0.43	5.32	0.02	(0.17)	(3.07)	(0.58)	0.62
	ROE	3.29	4.35	(0.05)	0.93	2.22	0.11	(0.18)	(9.17)	(1.22)	1.99

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
UBCP United Bancorp, Inc.	$77.6M	9.7×	11.8×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$75.7M	8.9×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$73.1M	11.8×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$68.0M	29.8×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
CULL Cullman Bancorp, Inc.	$65.2M	32.5×	19.5×	+8.86% (above 0%: growing)	−26.67% (below 0%: shrinking)	−90.89% (below 0%: shrinking)	71.49%	0.00%	Compare
BCOW 1895 Bancorp of Wisconsin Inc.	$57.9M	88.0×	— (loss-making)	+1.53% (above 0%: growing)	n/m	+993.81% (above 0%: growing)	64.21%	0.00%
TCBS Texas Community Bancshares, Inc.	$49.6M	13.4×	26.5×	+8.29% (above 0%: growing)	+54.17% (above 0%: growing)	−4.04% (below 0%: shrinking)	67.29%	0.00%	Compare
MBBC Marathon Bancorp, Inc.	$44.1M	21.3×	—	+17.92% (above 0%: growing)	n/m	+110.20% (above 0%: growing)	70.72%	0.00%	Compare
KFFB Kentucky First Federal Bancorp	$43.8M	23.1×	—	+7.22% (above 0%: growing)	+320.50% (above 0%: growing)	+650.00% (above 0%: growing)	59.33%	0.00%	Compare
Median of peers	$66.6M	17.4×	19.5×	+7.76%	+16.09%	−9.13%	70.83%	0.00%

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